11 Best Travel Insurance in India 2023

10 best travel insurance in India

Traveling is exciting, but sometimes unexpected things can happen. That’s where travel insurance comes in – it’s like a safety net for your trip. In India, there are many travel insurance options to choose from. In this article, we’ll talk about the 11 Best Travel Insurance in India, so you can make a smart choice for your next adventure.

Why Travel Insurance is Important

Before we look at the choices, let’s talk about why travel insurance matters. When you travel, things can go wrong like flights getting canceled, getting sick, losing your stuff, or unexpected problems with your trip. Travel insurance is like a safety cushion that helps with money problems and makes you feel less worried if something unexpected comes up.

Also Read: Solo Trip in India: An Ultimate Guide for Solo Travelers

The 10 Best Travel Insurance in India

1. HDFC ERGO Travel Insurance

HDFC ERGO has different travel insurance plans. They can help with things like medical problems, trip changes, and lost luggage. They even have plans for students, older people, and families. Read more in detail.

2. ICICI Lombard Travel Insurance

ICICI Lombard’s travel insurance plans cover a lot, like medical bills, trip delays, and cancellations. They also offer help if you need money urgently while traveling. Read more in detail.

3. Reliance General Travel Insurance

Reliance General has travel insurance for medical issues, lost bags, trip changes, and accidents. They have plans for single travelers, families, and older folks. Read more in detail.

4. Bajaj Allianz Travel Insurance

Bajaj Allianz has plans for medical problems, lost bags, and trip disruptions. They even have special plans for older people and students traveling abroad. Read more in detail.

5. TATA AIA Travel Insurance

TATA AIA has plans for medical issues, trip changes, and accidents. They also offer extra benefits, like insurance for your home while you’re away. Read more in detail.

6. New India Assurance Travel Insurance

New India Assurance covers medical expenses, lost bags, trip changes, and accidents. They have plans for individuals, families, and frequent travelers. Read more in detail.

7. Star Health Travel Insurance

Star Health’s plans cover medical issues, lost passports, and accidents. They also offer coverage for pre-existing medical conditions. Read more in detail.

8. United India Travel Insurance

United India covers medical expenses, lost bags, and accidents. They have plans for different types of travelers, including tourists and business travelers. Read more in detail.

9. Oriental Insurance Travel Insurance

Oriental Insurance offers plans for medical problems, trip changes, and lost luggage. They have options for different trip lengths and destinations. Read more in detail.

10. SBI Travel Insurance

SBI’s plans cover medical emergencies, trip changes, and accidents. They have options for both individuals and families. Read more in detail.

11. IRCTC Travel Insurance Plan

If you are planning to travel by train, the IRCTC Travel Insurance Plan is a safeguard for train travelers in India. Offered by the Indian Railway Catering and Tourism Corporation (IRCTC), this insurance can be added to train ticket bookings. It covers a range of unforeseen events, including accidents, train delays, trip cancellations, baggage loss, and medical expenses. By paying a nominal fee, passengers can ensure financial protection during their journeys. This insurance plan provides peace of mind, making it a wise choice for anyone seeking a worry-free train travel experience in India. You can read IRCTC Travel Insurance Plan for more detail here.

Once you have chosen a travel insurance company, be sure to read the policy carefully and understand what is and is not covered. You should also keep a copy of the policy with you when you travel.

How to Choose The Right Plan

Selecting the best travel insurance plan depends on your specific travel requirements. Here are some factors to consider when making your choice:

  1. Coverage: Ensure that the plan covers the essentials such as medical emergencies, trip cancellations, and baggage loss.
  2. Destination: Different plans may offer varying coverage for different regions, so choose one that suits your travel destination.
  3. Duration: Consider the length of your trip and opt for a plan that offers coverage for the entire duration.
  4. Activities: If you’re planning adventurous activities like trekking or scuba diving, make sure the plan includes coverage for such activities.
  5. Cost: Compare the premiums and benefits of different plans to find one that fits your budget.

Also Read: 18 Last Minute Things You Forget to Pack

Here are some additional tips for buying travel insurance in India:

  • Buy your policy as soon as you book your trip. This will ensure that you are covered in case of any unforeseen events.
  • If you are traveling to a high-risk country, such as one with a history of political unrest or natural disasters, you may want to consider buying a policy with more comprehensive coverage.
  • If you have any pre-existing medical conditions, be sure to let the insurance company know. This may affect the cost of your policy or the level of coverage you are eligible for.

Travel insurance can give you peace of mind and help you protect yourself from financial losses in case of an unforeseen event. By following these tips, you can choose the best travel insurance company for your needs and ensure that you are covered for your next trip.


Think of travel insurance as your travel friend, looking out for you when surprising things occur. In India, you’ve got lots of choices. Whether you’re visiting new spots, working away, or seeking adventures, the proper travel insurance ensures your trip is safe and memorable.

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